August / September 2011 Nugget

August/september 2011

DisAbility insurAnceAre you covered if the unexpected hAppens?Inside:First-hand accounts of disability insurance experiencesPLUS: 2011–2012 SDDS Calendar of Events!

A gala to benefit Sacramento District Dental Foundation

$125per person

$1250 per table

More info online!Check the web for more information on the SDDF Gala, including registration forms, sponsorship opportunities and auction items.

www.sdds.org/SDDF_Gala.htm

live auction iteMs:as of July 28, 2011

•1-weekstaysat: Maui (Hawaii, Kaanapali)

donated by Dr. Dave Seman

Kauai (Hawaii) donated by Mann, Urrutia, Nelson, CPAs

Seascape (Aptos) donated by Mr. & Mrs. James Shannon

Dollar Point (Lake Tahoe, Lakefront) donated by Dr. Herb Yee & Family

Schaeffer’s Mill (Lake Tahoe) donated by Dr. Don Rollofson

•EstatePlanning($2500value) donated by Mark Drobny, Esq (Drobny Law Offices, Inc.)

•Golf for 4 at Cypress Point (Pebble Beach) anonymous donor

•$3,000worthofconcretework&construction donated by Sellers Construction (Ed Sellers)

•BreakfastwithD.A.JanScully

saturday: OctOber 1, 20116:30pm•HyattRegencySacramento

Silentonlineauction•Cocktails,dinner&liveauction•Entertainment&dancing

thank you, sponsors!as of July 28, 2011

Gold table sponsors: sMile sponsors:Capital Periodontal Group

DrobnyLawOffices,Inc.

ElkGroveOrthodontics

EndodonticAssociates

HenrySchein

Jackson,Heise&AlphaOral&MaxillofacialSurgery

Dr.BeverlyKodama&WillGalloway

Would you like to sponsor the Smile Sacramento Gala, benefitting the Foundation?

Visit www.sdds.org/ SDDF_Gala.htm for details!

silver table sponsors:

kids care dental GroupMorgan stanley smith barney

dinners, wine & more in the online auction! Visit www.sdds.org/SDDF_Gala-Auction.htm

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THE NUGGETAugust/september 2011Volume 57, Number 7

tAble of contents

August/September 2011 | 3

The NuggeT IS a FoUr-tImE IntErnatIonaL CoLLEgE oF DEntIStS JoUrnaLISm awarD wInnEr:

goldeN peN (HoNorAble meNtioN, 2007)Article or series of articles of interest to the profession

outstANdiNg CoVer (2007)Remarkable cover

oVerAll Newsletter (2007)Exceptional publication overall

plAtiNum peNCil (2010)Outstanding use of graphics

FEatUrES8 Why Smart Dentists Are Taking a Look at Disability Insurance

Pamela Trehub, Insurance Agent (TDIC)

9 It Will Never Happen to You!

Tom Wagner, DDS (Henry Schein Professional Practice Transitions)

10 A Case for Having a Good Disability Policy

Alexander Malick, DMD, FAGD

12–13 A First-Hand Look Into a Legitimate Disability Claim — Or Is It?

William Koett, Jr., DDS

14–15 Collecting Disability Insurance Benefits

is Not Like Buying a Disability Policy

Gregory Michael Dell, DDS (Dell & Schaefer)

SPECIaLS13 Back in Time — Can you identify these SDDS members?

20–21 2011–2012 SDDS Calendar of Events

23 A New Pathway to Licensure for California Dental Students

Stephen Casagrande, DDS (Dental Board of California)

29 Fingerprinting for Licensees

Reprinted from DBC Newsletter (Winter 2011)

24 2011 SDDS Elections — Sample Ballot

rEgULarS4 President’s Message

5 From the Editor’s Desk

6 Cathy’s Corner

10 Link of the Month

18 In Memorium

18 Our Condolences

18 Volunteer Opportunities

19 Foundation Update

22 YOU: The Dentist… the Employer

25 Committee Corner

25 Committee Meeting Schedule

26–27 Vendor Members

27 Vendor Member Spotlights

28 We’re Blowing Your Horn!

30 Advertiser Index

31–32 Membership Update

34 Event Highlights

35 Classified Ads

36 SDDS Calendar of Events

* featured on cover

MardiGras

Midwinterat the Sacramento Convention Center

32nd Annual SddS Midwinter Convention & expo

FebruAry 9 & 10, 2012

Get your Ce the “big easy” way at the 32nd Annual Midwinter Convention!

Save the Date!And CheCk the webSite oFten For up-to-dAte

Midwinter inForMAtion:

www.sdds.org/Mw2012.htm

4 | The Nugget Sacramento District Dental Society

second day after my injury, a friend started seeing my patients in my office one day a week. Another friend started the second week. They continued for six weeks, until my office manager found an associate to help out. Then another friend came in once a week to proctor my new associate. My friends did that out of love and refused any monetary compensation. My hygienist worked additional hours. Cathy Levering and our SDDS staff provided help and support to my office staff. Since my wife had to attend to me full time, church members brought us lunch and dinners for almost two months.

God is gracious and merciful. He gave me a second chance. After two and a half months of recovery, with prayers and support from my friends, colleagues, staff and family, my doctors gave me approval to work three hours a day. It was exciting to go back to work, however even part time work exhausted me. With no disability insurance, no business overhead expenses insurance and a big office overhead, it was not feasible to keep the practice. I sold my practice and retired.

It has been three years since my accident. I am almost fully recovered. I have no bitterness of this incident. The accident gave me a new perspective in life. It was a wake-up call for me to realize the importance of family and friends. It forced me to slow down and smell the roses. It also let me realize that I am not indispensable.

It never hurts to be prepared for the unexpected. It is good to be in a support group and a mutual aid group. You should have an emergency plan. Your spouse and

When I started my practice, my insurance agent reminded me that I should have disability insurance. I listened and got my insurance. At the end of 2004, I thought since I was getting older, in good health, and not involved in any dangerous sports, I could save some money with cancellation of my disability insurance. Thinking I am invincible, I also cancelled my business overhead expenses insurance. I did not realize I had made a big mistake.

Life is unpredictable. You may be on top of the world, but in a split second, you might find yourself upside down.

One early evening in the summer of 2008, frustrated with the TV reception, I went up to my attic to fix the antenna. The next picture in my memory bank is waking up with a swollen head in the Intensive Care Unit. I was tied down in a hospital bed. I could not see from my right eye. I could not hear from my right ear. My wife told me I fell through the attic access onto the concrete floor, fracturing my skull and multiple facial bones and my right shoulder. Thank God my wife was home and she heard the crash. She found me unconscious and called 911. Because of left brain hemorrhage and right epidural hematoma, I went through three hours of brain surgery; was on ventilator for three days and spent 11 days in ICU. I was placed on morphine and codeine alternately every hour and a half during my stay in the ICU. I am thankful I do not have any memory of the accident or the pain.

It is during life’s major crisis that one realizes the amount of love surrounding him. The

presiDent’smessAge

aCCIDEntS Do haPPEnyour staff should know what to do in case you are disabled. Your loved ones should know where you keep all your important financial papers and your insurance policies.

Do not cancel your disability insurance policy and business overhead expenses insurance policy like I did. Check out Long Term Care insurance; it is much cheaper to purchase when you are still young. You and your family need the protection.

A final word of advice, stay healthy, keep in shape. You will heal faster in case you have an injury.

by Wai M. Chan, DDS

Dr. Wai Chan found himself in the ICU in the summer of 2008, acquiring titanium plates and staples in his skull to repair the damage caused by his head injury.

MardiGras

Midwinterat the Sacramento Convention Center

www.sdds.org August/September 2011 | 5

When we are young and a bit arrogant, we all believe that we are invincible. I am sure that in your life journey you can remember all the things you did that put you at serious risk, without even realizing it. I can recant a litany of absolutely mindless things I did, such as picking up a manhole cover to get a football out of a sewer, going off a cliff with my dirt bike because I did not check the trail in advance, and cutting off the top of a Christmas tree and my thumb with a large knife. I was not a stranger to the emergency room by any means. On one holiday weekend, I even made it twice in one day!

Reckless perhaps, intentional not at all, stupid hardly, but I am a man, are we not supposed to be tough and invincible? Just reflect on our caveman ancestry for a moment and you will get the idea. Women do not have that same drive for self destruction, but have other very significant challenges in the health arena that can lead to disability. Hence, disability is not gender based and it can affect all of us.

Some of us are blessed with that little guardian angel who still looks after us even when we make serious errors in judgment. Others of us have a little gray cloud that follows us around and we can’t get away with anything. The above noted mishaps were all avoidable but could have had life altering impact. Then there are those instances where a health issue

from theeDitor’s DeskInvincible!maybE, bUt thEn agaIn maybE not

arises out of nowhere to challenge us to the highest degree. To such a degree that we have to change what we do in life, our profession, our life style, our passion. These can be devastating if the appropriate actions are not taken to protect one’s self and family.

Entering the winter of my professional life, I have been blessed by never having an issue that sidelined me from my profession for any extended period of time. Having had carpal tunnel and hip surgeries bilaterally and returning to work full time in less than two weeks was atypical. But what if it would have been different and the recovery time would have been months? Worse yet, what if I was not ever able to pick up a handpiece again or sit chairside without intractable pain? That is precisely why you need disability insurance! You never know what cards you will be dealt in the serious game of life. I was always covered with DI during my professional career, and I am so grateful that I never needed to activate it.

The articles that follow provided some sage advice. They paint a broad canvas of experience that will make you aware and help you make correct decisions in this important area of your professional life. There are also legal means that can be your advocate in the event that you feel you have been denied appropriate compensation. If you already have coverage, re-evaluate the policy that you have and get expert advice if need be.

by Paul Binon, DDS, MSDAssociate editor

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Eagle West Group are not affiliated.

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A PERSONAL APPROACH TO LIFE AND WEALTH MANAGEMENT

Estate Planning Design

College Education Planning

Cost Basis Reconstruction

Matt Fine, ChFC Financial Advisor

[email protected]

(916) 367-4540

www.EagleWestGroup.com

Call to schedule a complimentary 45-minute consultation!

member forumoctober 20, 2011

LeGAL inFO yOu never thOuGht yOu’D neeD — untiL yOu DO!

Presented by: Jason Wood, Esq. (Wood & Delgado)

tOpicS wiLL incLuDe:•Trustsandprobate•Provisionsforyour

practice if something happenstoyou•Mutualaidagreements•The“whatifs”

6:00pm–9:00pm 2 ceu, 20%sacraMento hilton — arden West


President — Wai Chan, DDSImmediate Past President — Terrence Jones, DDS

President Elect — Victor Hawkins, DDSTreasurer — Gary Ackerman, DDS

Secretary — Kelly Giannetti, DMD, MSEditor — James Musser, DDS

Executive Director — Cathy Levering

Dan Haberman, DDS, MSCarl Hillendahl, DDS

Jennifer Goss, DDSKenneth Moore, DDS

Craig Johnson, DDSViren Patel, DDS

Wallace Bellamy, DMDBrian Royse, DDS

Kim Wallace, DDS

Kevin Keating, DDS, MSDonald Rollofson, DMD

CE: Jonathan Szymanowski, DMD, MMScCPR: Margaret Delmore, MD, DDS

Dental Health: Dean Ahmad, DDSEthics: Volki Felahy, DDS

Foundation: Robert Daby, DDSLeadership Development: Terrence Jones, DDS

Legislative: Mike Payne, DDS, MSD / Gabrielle Rasi, DDSMembership: Lisa Laptalo, DDS

Peer Review: Bryan Judd, DDS / Brett Peterson, DDS

Dental Careers Workgroup: Robin Berrin, DDS Beverly Kodama, DDS

Budget & Finance Advisory: Gary Ackerman, DDSBylaws Advisory: Adrian Carrington, DDS

Fluoridation Advisory: Kim Wallace, DDSForensics Advisory: George Gould, DDS / Mark Porco, DDS

Strategic Planning Advisory: Victor Hawkins, DDS/ Gary Ackerman, DDS

Golf Tournament: Damon Szymanowski, DMDSacPAC: Donald Rollofson, DMD

SDDF Gala Fundraiser: Wes Yee, DDSSmiles for Kids: Donald Rollofson, DMD

cAthy’scornerNon-DuesrEvEnUE

SaCraMento DiStriCt Dental SoCietyAmador • El Dorado • Placer • Sacramento • Yolo

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Leadership

boArd oF direCtors

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Ad hoC AdVisorytAsk ForCesWorkgroups

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Advertising rates and information are sent upon request. Acceptance of advertising in the Nugget in no way constitutes approval or endorsement by Sacramento District Dental Society

of products or services advertised. SDDS reserves the right to reject any advertisement.

The Nugget is an opinion and discussion magazine for SDDS membership. Opinions expressed by authors are their own, and not necessarily those of SDDS or the Nugget Editorial Board. SDDS reserves the right to edit all contributions

for clarity and length, as well as reject any material submitted.

The Nugget is published monthly (except bimonthly in June/July and Aug/Sept) by the SDDS, 915 28th Street, Sacramento, CA 95816 (916) 446-1211. Subscriptions are free to SDDS members, $50 per year for CDA/ADA members and $125 per year for non-

members for postage and handling. Third class postage paid at Sacramento, CA.

Postmaster: Send address changes to SDDS, 915 28th Street, Sacramento, CA 95816.

EDITORS EMERITuS: William Parker, DMD, MS, PhD • Bevan Richardson, DDS

sdds stAFFCathy leveringExecutive Director

della yee Program Manager/ Executive Assistant

Melissa orth Publications Coordinator

lisa Murphy Member Liaison/ Peer Review Coordinator

erin CastleberryMember Liaison/ Smiles for Kids Coordinator

Nugget editoriAl boArdJames Musser, dds

Editor

Paul Binon, DDS, MSDDonna Galante, DMD

Alexander Malick, DMDJames McNerney, DMDChristy Rollofson, DDS

Oladimeji Sorunke, BDSAsh Vasanthan, DDS, MS

Sacramento District Dental Society

by Cathy B. leveringsdds executive director

Right now I am sitting on a Southwest flight, flying back from Chicago and the ADA Management Conference. (Yes, this was the week of the record breaking heat wave in the Midwest; the heat index yesterday was 115 degrees. I have never been so thankful for the Sacramento “dry heat” and the delta breeze in my life!)

Each year I try to attend the Management Conference because I return with such rejuvenation, great ideas and new friends with whom to e-mail and collaborate, as well as such an appreciation for what we are and all that we do here in Sacramento at SDDS.

I was honored this year to have been asked to present a break out session on “Budgeting in the Tough Times… It’s NOT Just About the Dues!” I co-presented with the Executive Director of the Connecticut Dental Association. In the room were 50 other Executive Directors from state associations and local components. The demographics in the room were vastly different ranging from budgets over $2 million to under $200,000. In the end, we tried to impart that the same principles apply to all of us: dues are important as is our membership numbers and our members, but the non dues revenue is equally as important. The non dues revenue is what keeps our members’ dues down, and is a consistent piece of our budgeting process. Raising dues to balance the budget is not just a backwards idea, but it proves to be very unpopular, right?

I was proud to use SDDS as a great model. Our dues have been consistent for 10 years, with only one small raise to support the HR Hotline member benefit. CDA has been consistent as well. ADA was stable until this year and needed to raise dues to update very outdated technology and communications departments. (That dues increase was important!) SDDS’ non dues revenue represents 60% of our budget.

As we begin the budgeting process for the fall Board meetings, we are grateful that our membership numbers stay strong (80% of the market share!) and that we are lucky to have the income from the non dues revenue (programs, advertising, sales and outside events). Thank you to our members and our collaborators who support the non dues revenue!

With a $1 million budget (larger than many state organizations) and a bit over 1500 members, you can see that your $320 dues payment goes a long, long way. Our main interest is member benefits, member value and member service! We hope that you will agree that we are continuing to strive, to achieve and surpass those goals on a daily basis.

bid online to support sddf!www.sdds.org/

SDDF_Gala-Auction.htm


Protecting dentists.It’s all we do.SM

800.733.0633tdicsolutions.com

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sacramento_aspire1_3_11.pdf 1 3/31/11 8:59 AM


there is a solid financial foundation in place for the future.

What should you do now to protect your financial future? First of all, take a fresh look at your disability insurance plan. You may have a group or individual policy in place, maybe even both; but are these plans offering the income protection you need? Group policies, purchased through a member organization or your employer, may seem more cost-effective than individual policies, but there are often major restrictions and limitations on the benefits you can receive. While individual policies are more expensive, they generally provide much greater coverage, with fewer restrictions, over the long term.

If you were to become disabled, how much money would you need each month to pay your bills and maintain your lifestyle? How much income will your current policy replace? If you already have group coverage, you may need to purchase an individual policy to provide supplemental coverage and fill in any gaps.

The truth is group or individual, all disability policies are not created equal. Substantial differences in policies provided by different carriers mean that you must scrutinize your current policy carefully and make absolutely certain that you will receive all the coverage and benefits you deserve in case a disability prevents you from earning the income you are used to.

Let’s take a closer look at how disability insurance policies may differ, and what you should look out for:

• Thereareonlyfourwaystobedisabled.Makesure your policy addresses all of them.

As a practicing dentist, your ability to earn an income is your most important and valuable asset. If you suddenly became disabled due to injury or illness, and are unable to earn your current income, what would happen to your savings portfolio? What would happen to your children’s college funds? Your family’s standard of living? Your plans for retirement?

While the word “disability” conjures images of a catastrophic accident or severe work-related injury, in actuality, more than 92% of

disabilities are caused by illness, while only 8% are the result of accidents.1 Furthermore, three in ten workers entering the workforce today will become disabled before retiring.2

A disability does not have to be completely disabling to prevent you from performing some of the day-to-day functions of your job. That in turn can cost you lost income; and depending on whether your disability turns out to be short- or long-term, monetary losses could be substantial.

Recently, there has been a marked increase in Individual Disability Insurance sales. As savings plans, stock portfolios and investments are buffeted by today’s weakened economy, dentists are discovering that it is more important than ever to ensure that future income is protected. Many dentists are taking a closer look at their current policies and making smart decisions now so that they are provided the maximum disability protection available, should they need it in the future. With the country’s financial health stagnant and market trends sluggish or heading downward, now is a great time to re-examine wealth-building strategies, revise or adjust if necessary, and ensure that

Why Smart DentistsarE takIng a Look at DISabILIty InSUranCE

• Be certain that your disability insurancecontract generates the maximum benefits in most claim situations.

• Benefit levelsvarybycarrier.Chooseonethat offers limits to reflect your lifetime earnings potential.

• Any one policy provision alone does notmake a good insurance policy. Pay attention to the most important considerations: renewability, definition of total disability, residual/partial disability, policy benefits and optional benefits.

What is true Own Occupation coverage? “Own Occupation” refers to disability coverage that pays you benefits when you can no longer perform all the day-to-day duties of your present or “own” occupation, even if you can still perform some of the functions of your job, or are able to fully perform in another occupation. True Own Occupation products guarantee that if you cannot work chairside, but are still able to work (consulting, administration, teaching, sales, etc.) you will still receive 100 percent of your disability benefits — regardless of how much you earn in your new job or career — paid monthly until your policy ends.

Now is the time to talk candidly with your insurance agent, ask questions about your policy and make sure that the answers you receive are on target to protect your income throughout every stage of your dental career. Taking action now will give you the peace of mind that comes from knowing that you have fully safeguarded your standard of living, your family’s welfare and your financial future — especially in today’s uncertain business climate.

To learn more, call TDIC to speak directly with one of the insurance agents at 800-733-0633.

Disability products are underwritten by other insurance carriers, brokered through TDIC Insurance Solutions. TDIC Insurance Solutions Insurance Agent Pam Trehub Ca. Lic #0C87473. TDIC Insurance Solutions Ca. Lic # 0652783

referenCeS:

1. 2007 Long-Term Disability Claims Review, Council for Disability Awareness.

2. Social Security Administration, Fact Sheet, Jan. 31, 2007.

by Pamela trehub, insurance agentTDIC (SDDS Vendor Member)

If you were to become disabled, how much money

would you need each month to pay your bills and

maintain your lifestyle?


by tom Wagner, DDSHenry Schein Professional Practice Transitions (SDDS Vendor Member)

all these years. The second mistake was that my policies did not have cost of living riders, so my disability income has never increased. I never dreamed I would become disabled, much less at such a young age, and that it would be a career ending disability. As well protected as I was, these were costly mistakes.

In my second career as a dental practice broker, I have sold several practices in which the selling dentist became disabled. Becoming disabled is life changing, even if you have disability insurance. Your level of coverage, or lack thereof, can be the difference between a

mild to moderate decrease in income, resulting in a change in lifestyle (the ability to still live a comfortable life), to the other extreme of financial devastation (no income, unable to work, and significant medical expenses).

I have had a long time to think about my disability coverage and what I would do (based on my experience) if I were young again. I would purchase as much disability insurance as I could possibly purchase. I would purchase cost of living riders on half of my coverage (to keep the cost down) in case of a long term disability. If you end up disabled for many years you want at least a portion of your income to increase annually. I would definitely want “Definition of Occupation” for the clinical practice of dentistry. If you are able to work in another occupation it is a significant benefit to be able to continue to receive your disability income in addition to the income from your new occupation. I would purchase multiple policies and stagger

When Paul Binon first contacted me about writing an article for the Nugget based on my personal experiences with disability insurance, I did not answer him for a few days. My first thought was to decline because I did not want to write about myself. However, after giving it more thought, I agreed to pen an article in hopes that my experience would be of help to someone else.

My understanding of the importance of insurance began within a few months of finishing graduate school. Two months prior to graduating; being on school health insurance, and in financial distress, I was unable to afford some recommended medical tests. I decided to wait until I opened my practice and had better medical insurance. When I arrived in Sacramento in July 1975 and opened my practice, I tried to purchase medical insurance. I quickly learned the meaning of a term I was unfamiliar with — uninsurable. Having two major surgeries within six weeks and missing several weeks of work within the first nine months of opening my practice, I decided that when I became insurable I would purchase whatever insurance I needed to protect my investment in my education, my practice, my career, and my financial future.

In the years between 1975 and 1993 I purchased as much disability insurance as the insurance company would sell me — yes, it seemed very expensive at the time. It turned out to be the most important purchase of my life. When I added partners to my practice, in addition to our personal disability policies, we purchased a group disability policy that not only covered all our employees, but ourselves as well.

Even though I had protected myself reasonably well and was fairly well insured at the time of my accident, I had made some significant mistakes. My first mistake was that I paid for my disability insurance through my corporation as a business expense (I thought I would never become disabled), so I have had to pay federal and state income taxes on my disability income

It Will NeverhaPPEn to yoU!

the waiting periods to make it more affordable (all of your income doesn’t need to begin in thirty days). The disability that takes you out of practice for a short time (six months or less) is problematic; the disability that ends your career can be catastrophic, especially if you are young. If still available, one of the policies I would purchase would have lifetime benefits, with as long a waiting period as possible to decrease the cost. If you become disabled and are never able to work again, it would be very beneficial to have one or more policies that provide income for life (which some of my disabled friends have).

Your agent can provide you with many statistics about dentists who become disabled. When it happens to you, it is no longer about percentages, odds and statistics; for you it is 100%. When you become disabled, the decisions you have made regarding disability insurance coverage will directly affect you and your family every day of the rest of your life. I haven’t talked with anyone yet that hasn’t said they would do some things differently if they had a second chance to purchase disability coverage. When you lose the ability to practice, you lose the income stream that provides for every day necessities, the food on your table, your home, cars, lifestyle, vacations and travel, your ability to provide for your children’s education, your ability to purchase health insurance, your ability to seek medical treatment to recover from injuries and illnesses, and your ability to provide for your retirement.

You have invested a significant amount of time and money to become a dentist. Dentistry can provide you with an enviable lifestyle and it is all based on an income stream. Disability can be progressive or it can occur in an instant. One minute life is great and the next minute your life has changed forever and your income stream is gone, maybe for the rest of your life. I can’t emphasize enough how important it is to be prepared for what you believe will never happen to you.

If you become disabled and are never able to work again,

it would be very beneficial to have one or more policies that provide income for life.


by alexander Malick, DMD, faGDGeneral Dentist (SDDS Member)

me to keep my policies since, in her words, “they don’t write policies like yours anymore!” Reluctantly, I kept my policies. The job did not work out. I came back to Granite Bay and started a scratch practice in Roseville.

Fast forward to January of 2006 , I suddenly found myself afflicted with a condition that rendered me partially disabled. I decided it was time to collect and submitted an application for residual benefits. While my application was being reviewed, I spent many sleepless nights worrying about how my insurance would compensate me. If my benefits were determined based on my current income, I was in deep trouble. To my surprise, the insurance company used the “highest” annual income reported to IRS within the past five years of the disability to calculate my base salary (called Pre-Disability Income, or PDI). It turned out 2002 was my best year ever becoming the benchmark for calculating my Pre-Disability Income (PDI). After my mandatory 60 day wait, my benefits started. Here is how it works: if my current net monthly income is less than 25% of my PDI, I receive my full benefits. If I earn more than 75% of my PDI, I get no benefits, and any net income within 25-75%, I received the equivalent percentage of my PDI.

It has now been five years since my application for benefits. My medical condition is permanent and as long as my doctors sign off on my medical reports, I am receiving benefits according to my policy provisions. My disability insurance is allowing me to practice dentistry joyfully. Did I forget to mention that my benefits are tax free? I heeded my agent’s advice and elected not to

I purchased my first private practice in June of 1989. Fortunately, I took over existing systems, vendors, accountants and advisors, including an insurance agent who set me up with Life and Disability insurance. At the time, I was struggling to justify paying $266/month for insurance I did not foresee needing. After all, I was 34 years old, just

invested a huge amount of borrowed money into my practice, my wife was eight months pregnant, and we just bought a new home. I was tempted to divert that money towards my daughter’s college fund, but reluctantly kept paying the premiums. I promised myself to take a more careful look at my expenses when I had a little bit more free time. (I am still looking for that free time today!) A few years later, I heard testimonials from doctors during a Tax Planning meeting that convinced me to keep my disability policies.

In July of 2003, my wife and I decided to relocate to Granite Bay and sold our home and my practice. Weeks before moving, I was offered a position with a Bio-Medical company to be their VP of operations in Hot Springs, Arkansas. We moved to Arkansas and now, more than ever, I contemplated dropping my Disability Policy especially since the company offered DI for their employees. I consulted my insurance agent and she advised

A Case for Having agooD DISabILIty PoLICy

deduct the premiums in exchange for Tax Free Benefits.

Am I receiving benefits automatically? OH NO! Here is what I have to do to receive my benefits:

• Submitmonthlyfinancialreports (profit and loss)

• Submittaxreturnsforannualreconciliation

• Submitquarterlydisabilityupdatereports

• Submitquarterlymedicalreportsby my physicians

• Attendannualinterviewswhereacomprehensive review of my disability from inception is carried out and transcribed into a written report kept on file.

recommendations based on my experience:

• Ifyoudon’thaveapolicy,BUYONE!

• Readandunderstandyourpolicyprovisions

• Donotdeductthepremiumsasabusiness expense

• Buyanadditionalofficeoverheadpolicy-it covers expenses for short disabilities

• Havereservefundstoaffordyourpolicywaiting period (most are now 90 days)

• Makesureyouhavearesidualpolicy,akapartial disability

• Makesureyourpolicyhas“OwnOccupation” clause

• Reviewyourpolicysemi-annually.

• Purchaseenoughinsurancetomaintainyour current and future lifestyle.

My disability insurance is allowing me to practice

dentistry joyfully.

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by William Koett, Jr., DDSGeneral Dentist (SDDS Member)

up with chronic pain syndrome and having the flexibility of a two by four. Luckily I found a surgeon who specialized in sports related injuries to the spine, and he painted nothing short of a Picasso result. My family and I had numerous conversations as whether or not this was the right path to travel. After weighing all of the risks, benefits and alternatives to the procedure, it seemed to be the logical choice.

The intent of this article is not to give you my sob story, or tell you how horrific the next few years would be. Rather to let you know how my

disability carrier reacted to my injury. A week after the first back surgery I fell down a flight of stairs. The result, another surgery! Only this time they had to go through my abdomen, and I was to be out of practice for at least three months. Then a month after the anterior fusion surgery, I was diagnosed with a torn abdominal wall which resulted in a debilitating MRSA infection which lasted a better part of a year. So, for a period of nearly a year and a half I was either having abdominal surgeries to clear

‘Twas the week before graduation and all the seniors were still in a mild state of disbelief that it was almost over. We were assembled to hear the Life, Disability and Health Insurance sales reps give information about guaranteed conversions for after graduation. After all, you have to have all these policies just in case the unforeseen happens. As luck would have it, it happened to me.

During school I was involved in an auto accident which left me with one herniated disc and one bulging disc. At the time it seemed like no major issue for me since I was young and strong, and felt like I could manage with exercise, a good diet and proper chairside ergonomics. It seemed to be working okay for a while. Other than a slight stiff back and mild sciatica from time to time I just kept on going without a thought of how this may affect my future. After being out of school and working all those long associate hours for two to three years, I noticed that my symptoms were worsening by the month. Some nights I would literally come home and just curl up in a ball and pray that the pain would go away.

Finally, after four years, enough was enough. No matter what I did, I could not get relief. After much research and speaking to as many spine specialists as possible, the answer to my well being became rather evident; surgery! The thought of it scared me to death. All I had ever heard were stories of people ending

A First-Hand LookInto a LEgItImatE DISabILIty CLaIm — or IS It?

the infection, or back surgeries to correct all of the damage that was continuing to occur due to the ripped abdominal wall and subsequent chronic infection.

The difficult part of all of this was is that I owned my own practice. Prior to the first surgery, the logistics were planned out. I would have the surgery in Mid-December, and return to work after the New Year. The problem was is that it just did not work out that way. When the surgeons told me that I was to have a fusion surgery to correct the damage, I knew I was going to have to take some evasive action, as I would be out for at least three months. That was when I contacted my disability insurance to let them know what was happening, and inquired as to what I needed to do to process a claim.

When I inquired about how to go about making my first claim, the representative seemed so sympathetic, and reassured me that I was in good hands and that claim forms were on their way. The forms arrived within a day or two, and were very lengthy. I took all of the appropriate steps, answered all of the questions honestly and had the treating doctors fill out their respective reports. I returned all the claim forms within a week. I felt a sense of relief that help was on the way, and that I may have the chance to recover correctly.

Two weeks passed, and I had heard nothing. I was growing more and more anxious by

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All [the claim representative] could tell me was,

“It looks like it was denied.” I could not believe it.


the day due to my inability to practice effectively. I then called my carrier and spoke to the claim representative to determine the status of the claim. All she could tell me was, “It looks like it was denied.” I could not believe it. When I asked her why, all she would tell me is that someone would be contacting me in the near future. Another few weeks went by, and progressively I was having more and more difficulty practicing dentistry and my practice suffered greatly. I was at the end of the road. I just could not physically handle the work anymore. Fortunately, my father is a dentist who had been semi-retired for only a half year. He graciously substituted for me in my practice, allowing me some much needed rest time.

After about another two weeks, I received a letter from my carrier stating that my claim was denied due to lack of needed information. So of course I appealed and started the process all over again. I vividly remember the September morning when I spoke to the new claims representative. He told me that this was a really complicated case, and he needed to ask me for some additional information. I thought I was in for a long in depth conversation. The first question was “Have you viewed any radiographs since you made your claim and or since you incurred your injury?” “Yes.” I replied. “Have you sat chairside with any patient and examined any patient dental or otherwise in this time frame?” “Yes.” Shortly thereafter the gentleman stated he had all of the information that he needed, and that I would be hearing from them shortly. Keep in mind that I had a “graded” policy. Every year, the monthly benefit would increase. My policy was in effect nearly seven years and the benefit amount would have covered all the expenses at that time in my life. It would have easily given me ample breathing room to get healthy, and make my practice viable again.

Two weeks later I was informed that my claim was denied. When I inquired as to why the claim was denied, the answer for the insurance carrier was simple. In order to receive benefits, you have to be disabled for six consecutive months. Since I had viewed films, examined a patient’s mouth and completed a treatment plan, I was ineligible under the insurance contract. The moral of the story is that you need to know ALL the fine points of the insurance policy that you have, before you do anything that might compromise your disability claim. In other words, consult an expert!

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Back in time…can you identify these sdds MeMbers?

The first SDDS member to call the SDDS office

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Only the winner will be notified. Members cannot identify themselves.

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answer from June/July 2011 issue : Dr. Stephen estesCongratulations, Dr. Pat Penney, for winning the prize!


by Gregory Michael Dell, DDSDell & Schaefer

make the assumption that a dentist purchased a policy which defines total disability as “the inability to perform the substantial and material duties (or important duties) of your occupation at the time you became disabled.” This definition of total disability is known as an “own occupation” definition of total disability. A good disability policy will continue the own occupation definition of disability until the policy expires; however there are numerous disability policies that end the own occupation definition after either 24 or 60 months of receiving benefits. A dentist should always pay additional premiums for an own occupation disability policy. Most policies will pay disability benefits until age 65; however there are policies that will pay lifetime depending upon the age at which the claimant becomes disabled.

Most dentists purchase a disability policy with a residual disability rider, which usually states “if you are working and unable to perform one or more of the duties of your occupation and you have at least a 20% loss of monthly income,” then you will be eligible for a percentage of your monthly disability benefit. For example, if due to injury or sickness your monthly income drops by 50%, then you would be entitled to receive 50% of the monthly benefit amount purchased. If you had purchased a $12,000 monthly benefit contract, then you would be entitled to a $6,000 monthly benefit. With a residual disability claim, the amount of the monthly benefit will change based upon the percentage of lost income each month due to disability. A claimant with a residual disability claim would be required to submit monthly financial documentation and monthly production reports to the disability insurance company.

“Substantial and Material Duties” is a Challenging term in Dental Disability Claims

If a dentist qualifies for total disability benefits, then the amount of money earned each

Dentists and surgeons have the highest number of claims for long term disability benefits amongst all medical professionals. This fact is not surprising given the requirements of manual dexterity, fine motor skills and the amount of time required to complete most dental procedures. As an attorney who has helped thousands of individuals collect long term disability insurance benefits, I am a strong advocate for

long term disability insurance. I think every dentist should purchase as much coverage as possible in order to protect their income in the event of a disabling injury or sickness. With the assistance of an experienced insurance sales agent, a dentist can purchase a very good disability insurance policy. But, how easy is the process of collecting disability insurance benefits if a claim must be filed? The simple answer is that if neither a serious injury nor a life threatening disease has been sustained, then a dentist must be prepared for what can be a challenging, frustrating and highly scrutinized disability claims handling process.

you Get What you Pay for with Disability insurance Coverage

Buying a disability insurance policy is similar to selecting the options when buying a new car. Just like a car, the more options you select, the more you will pay in insurance premiums. In its simplest form, a long term disability insurance policy is a contract. Every disability policy is written differently based upon the options selected at the time the policy was purchased. For purposes of this article I will

Collecting Disability Insurance BenefitsIS not LIkE bUyIng a DISabILIty PoLICy

month by the claimant is usually not relevant in determining the amount of monthly benefits owed. With a true “own occupation” definition of total disability, a dentist should receive their full monthly benefit if they cannot perform their “substantial and material duties.” What are the “substantial and material duties” of a dentist and how does a disability insurance company quantify them? Disability insurance policies do not define “substantial and material duties” as the duties of each individual dentist are always different. As such, disability carriers will commonly challenge a total disability claim following their completion of an occupational duties analysis.

To determine the substantial and material duties of a dentist prior to disability, the following documents may be requested by the disability insurance company:

• MonthlyADAProductionReportsforthe12 months prior to date of disability

• AnnualADAProductionReports for thetwo years prior to date of disability

• MonthlyProfit&LossStatementsforthe12 months prior to disability

• Annual Profit &Loss Statements for thetwo years prior to disability

• CorporateTax Returns for the five yearsprior to date of disability

• PersonalTaxReturnsforthefiveyearspriorto date of disability

• Acopyoftheclaimant’spatientappointmentcalendar for the 6–12 months prior to disability

• Monthlycorporatebankstatementsforthe6–12 months prior to disability

• Payrollrecordsforthe6–12monthspriorto disability

• Alistofthenamesandcontactinformationof all employees prior to disability

• Acopyoftheclaimant’srecentapplicationfor malpractice insurance

Buying a disability insurance policy is similar

to selecting the options when buying a new car.


1-800-399-5331

SDDS HR hotline

• Acopyoftheclaimant’srecentapplicationfor state dental license certification

Most claimants will ask us why any of the above information is relevant. The disability insurance companies will not make any assumptions about your dental duties. They do not believe any claimant unless they have documentation to support the claim. The disability company compares the claimant’s documented medical restrictions and limitations1 with the dental duties that the claimant was performing prior to disability.

All of the information listed above is not relevant to a disability claim, but the Production Reports are essential in order to determine pre-disability duties. The Profit and Loss Statements and Tax Returns are used by the disability carrier to verify that you are actually generating income that supports your production reports. The tax returns are also used by the insurance company to determine if a claimant is seeking disability because their business is not doing well and whether they will make more or similar money collecting disability benefits. The appointment calendar is used to verify the hours per day a claimant is at work and the number of patients per day that a dentist was treating. The payroll records and list of all employees are used as another method to verify that the claimant was working pre-disability.

The disability companies also like to speak with co-workers to determine if they noticed or were aware of any medical conditions that prevented the claimant from performing any dental duties. In most cases we find that a dentist does not tell his or her staff about their medical conditions. Lastly, the applications for malpractice insurance or dental licenses are used to see if the claimant answered any questions about whether he or she has a medical condition which would affect their ability to safely perform dentistry. The disability companies are constantly searching for any inconsistent statement, which they can use to impeach the credibility of the claimant. The credibility of the claimant is extremely important because it is not the diagnosis of a medical condition that disables a claimant,

but rather it is the subjective complaints of pain and limitations caused by the medical condition. If a disability carrier thinks a claimant lied about a matter unrelated to their medical condition, then they assume that the claimant is also lying about the severity of their claimed disability. Disability companies will employ numerous other techniques, such as video surveillance, in order to verify the credibility of a claimant.

Selecting a Date of Disability Should Be Planned if Possible

Dentists never plan to be disabled, but if they need to file a disability claim they must be prepared. A very small percentage of long term disability claims are the result of a serious injury or catastrophic event that forces a dentist to stop working immediately. The majority of disability claims for dentists are caused by chronic illnesses such as neck or back degenerative disc disease, carpal

tunnel or shoulder problems. Most dentists are able to continue working with a chronic illness until they feel that they can no longer provide a safe or effective level of care for their patients. We often represent dentists who have been working with a chronic illness for several months or years before they file a disability claim. In this scenario, the disability company wants an explanation as to why the dentist was able to continue working but then suddenly stopped working. Approval of disability benefits becomes more difficult if a dentist continues to work with a chronic illness and does not have any reduction in individual production prior to disability. A

claim gets more complicated when a dentist realizes that they are having great difficulty performing their duties, but they have to continue working if they want to have any chance of selling their dental practice. We don’t recommend a date of disability that is the same as the date the claimant’s practice is sold. A date of disability must be selected by coordinating a claimant’s medical records with a six month analysis of the dentist’s monthly production reports. Disability policies have anywhere from a 30 day to 180 day elimination period before benefits are payable. There is usually sufficient time beyond the elimination period to submit a disability claim.

A properly documented disability claim with the appropriate medical support will normally result in claim approval. If there are any inconsistencies or insufficient data, a claim decision will either be denied or delayed for months. Filing a long term disability claim is an emotionally difficult experience for most dentists. Additionally, there are usually several hundred thousand or millions of dollars that could potentially be owed to a disabled dentist. Initial approval does not mean you will continuously receive disability benefits; therefore it is important that you continue to diligently maintain your disability claim at all times. Disability insurance companies are in business to make money. If they have a reason to deny a claim, they will do so without hesitation.

About the author: Gregory Michael Dell is a nationally recognized disability insurance attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. The firm’s disability income division is comprised of eight attorneys who represent claimants nationwide, throughout all stages (i.e. applications, denials, appeals, litigation, & lump-sum policy buyouts) of a claim for individual or group (ERISA) long-term disability. Mr. Dell and his team of disability lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company. For additional information visit www.diAttorney.com or call 888-Say-Dell.

noteS:

1. Medical restrictions and limitations are provided by a claimant’s treating physician. Physician support is essential in order for any claimant to be eligible for disability benefits. It is important that a treating physician understands the occupational du-ties of the claimant and the definition of disability in the claimant’s disability policy. A treating physician must take detailed examination notes and be aware that their medical records will be scrutinized by the disability insurance company.

Initial approval does not mean you will continuously receive

disability benefits; therefore it is important that you continue

to diligently maintain your disability claim at all times.


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D E N T A L O F F I C EC O N S T R U C T I O N S P E C I A L I S T S

andrewsconstructioninc.comSDDS

Vendor Member

Since 2001

916 743-5151

DESIGN/BUILD

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A THUMBS UP EXPERIENCEBecause we specialize in construction for dental professionals, Andrews Construction, Inc understands the unique needs specific to dentists. Our 30+ years of experience assures you that we deliver QUALITY, SERVICE and SATISFACTION on every meticulously run project. Thumbs Up to that!

Damon Szymanowski Orthodontics PE

Todd Andrews & Damon Szymanowski

iN mEmoriam

coNdolENcEs

ranDolPh “Cotton” Walthall, DDS

Dr. Walthall passed away of

natural causes on February

14, 2011, at the age of 86. He

graduated from Greenbriar

Military Academy before

attending Concord College and West

Virginia University. He earned his DDS

from University of Louisville, KY. During

his college years he was an avid golfer and a

guard on the basketball teams at Concord

College and WVU.

Dr. Walthall served his country for three

years as a Staff Sergeant with the 425th

Medical Ambulance Corps, stationed

at Pearl Harbor, and was honorably

discharged in 1946.

He married Jane Hamilton on July

28, 1951, and together they spent 60

wonderful years.

The Walthall family moved to Sacramento

in 1957, where Dr. Walthall established

his dental practice and went on to serve

the Sacramento community for more than

30 years. Dr. Walthall was a member of

SDDS for 54 years.

Our condolences to Dr. Nicholas Rotas on

the passing of his father. Our thoughts are

with Dr. Rotas and his family.


vOLunteerOpportunities

desCription: The mission of the Gathering Inn is to provide physical, mental and spiritual restoration for the homeless women, men and children of South Placer County.

pAtient bAse: South Placer County homeless men, women and children.

serViCes proVided: Social, health and case management services to help individuals become active participants in our community.

desCription: Association of medical and dental professionals concerned about lack of access to care (private, all-volunteer, non-government funded)

pAtient bAse: Low income workers.

serViCes proVided: Free preventative medical and non-emergency dental care.

desCription: SDDF’s Smiles for Kids’ program will conduct free dental screenings at area schools (Fall 2011). Uninsured children who are screened as needed urgent care will be referred for free treatment on SFK day 2012 (Saturday, Feb 4th). After SFK day, kids with additional needs will receive free treatment through the Adopt-a-Kid program (Feb–May 2012). Kids with orthodontic needs will be referred to the SFK orthodontic program and 65–75 will be chosen to receive free orthodontic treatment.

Located at the Sacramento Salvation Army

A student run, free dental and medical clinic, started by UC Davis students

desCription: Dental clinic currently operates at the Sacramento Salvation Army approximately once a month on Saturdays from 8:30am-12:30pm, but would like to offer services more frequently. There are also volunteer physicians on staff and medications available through the Willow Medical clinic which operates weekly in the same building at the same time.

pAtient bAse: Homeless men and women in Sacramento, some of whom are currently receiving aid at the Salvation Army; they are all very appreciative of our time and service.

the GatherinG inn

ccMp coalition for concerned Medical professionals

sMiles for kids

WilloW dental clinic

Volunteers needed: Dentists, dental assistants, hygienists and lab participants for onsite clinic expansion.

open house: July 26, 2011 (5:30–7:30pm)

ContACt inFo: Ann Peck (916.296.4057 • [email protected]) Volunteer Coordinator

Volunteers needed: General dentists, specialists, assistants and hygienists.

Also needed: Dental labs and supply companies to partner with; home hygiene supplies

ContACt inFo: Ed Gilbert (916.925.9379 • [email protected])

pAtient bAse: Uninsured children within our five-county area in need of urgent dental care

serViCes proVided: Free dental care

Volunteers needed: Screening doctors (Fall 2011), doctors to “host” an SFK site at their office on SFK day, doctors and staff to work on SFK day, doctors to “adopt” patients for follow-up care after SFK day.

ContACt inFo: SDDS office (916.446.1227 • [email protected])

serViCes proVided: Most of the work involves extractions and amalgam restorations.

Volunteers needed: Dentists and hygienists (equipment not needed to volunteer)

equipMent needed: Mobile equipment to loan or donate – currently limited to using the mobile equipment and instruments brought in by Dr. Alex Tomaich and Dr. Dagon Jones

ContACt inFo: Michael Robins (530.864.8843 • [email protected]) volunteering or donations

1-800-399-5331

SDDS HR hotline

date tbaduring the week of

Sept 27–Oct 2, 2011

wic

KeD

da

te t

badu

ring

the

wee

ks o

f May

23–

June

17,

201

2

date tbaduring the week of Jan 24–29, 2012

date tbaduring the week of Mar 13–18, 2012

date tbaduring the week of Apr 17–22, 2012

Final dates coming sept 1, 2011


sAcrAmento District DentAl society founDAtion A chAritAble 501-c3 orgAnizAtion

FInaL StatIStICS For SFk & SFbk

FinAl stAtistiCsTotal screened: 25,796

Total treated: 888Total doctor volunteers: 388

(29% of membership)

Total staff volunteers: 372SFK Day Total: $394,751

(average of $590/child)

Adopt-a-Kid Total: $267,339 (average of $1,221/child)

Ortho Total: $413,400 (average of $5,300/child)

sFk 2012 totAl donAted: $1,075,490

SmIL

ES F

or

kID

S

FinAl stAtistiCsTotal screened: 438

Referred for treatment: 347Placed cases: 175

Treatment completed: 154 (21 still in progress)

Total doctor volunteers: 128Doctors donated: $355,878

Lab partners donated: $4,136Lab fees paid by grants:

$16,680

sFbk 2012 totAl donAted: $372,974

SmIL

ES F

or

bIg

kID

S


september9 lasers & Minimally

invasive dentistryDouglas Young, DDS, MS, MBA8:30am–1:30pm • 5 CE, core

13 treating trauma Without dramaKenneth Tittle, DDS, MS6:00pm–9:00pm • 2 CE, core

New Member Night

20 Alternative Work Week, Wage & hour issuesCalifornia Employers AssociationNoon–1:00pm • 1 CE, 20%

30 licensure in a dayInfection Control, CA Dental Practice Act, OSHA UpdateMarcella Oster, RDA8:30am–3:30pm • 6 CE, core

october1 smile sacramento gala

to benefit the Foundation6:30pm • Hyatt Regency Sacramento

11 bisphosphonate-related osteonecrosis of the JawWilliam Mora, MD6:00pm–9:00pm • 2 CE, core

CDA Night

19 employee leaves & time offCalifornia Employers AssociationNoon–1:00pm • 1 CE, 20%

20 legal info you never thought you’d need… until you do!Jason Wood, Esq. (Wood & Delgado)6:30pm–9:00pm • 2 CEU, 20%

november4 smile design: something old,

something new, something borrowed & something red?Doug Lambert, DDS8:30am–1:30pm • 5 CE, core

8 drilling down on generational CommunicationGordon Fowler, President (3Fold Communications)6:00pm–9:00pm • 2 CE, 20%

Staff Night

12 Cpr renewal: basic life support (bls) 8:30am–12:30pm • 4 CE, core

16 Are you hip with hipAA… & All things paperless?Garrett Gatewood, et al (Tekfix Team)6:30pm–9:00pm • 2 CEU, 20%

KEY: = General Membership Meeting • = Member Forum (Business Series) • = Continuing Education • = HR Audio Conference • = CPR • = Special Event

lr

lr

january10 principle-driven periodontal

therapy: A Call to ActionKim Miller, RDH, BSDH6:00pm–9:00pm • 2 CE, core

Hygiene Night


19 new labor laws for 2012California Employers AssociationNoon–1:00pm • 1 CE, 20%

december6 Annual holiday party,

silent Auction & installation of officersDel Paso Country Club6:30pm

lr

lrLicensure Renewal Course: The Dental Board of California requires CPR BLS Renewal (AHA or Red Cross approved), two hours of Infection Control and two hours of California Dental Practice Act for each license renewal cycle.

Sponsored by Eagle West Group, Inc.

Sponsored by: Dentsply North America & Eagle West Group, Inc.

MardiGras

Midwinter

february9&

10

2011–2012calendar of events

SddS presents the 32nd Annual SddS Midwinter

Convention & expo

FebruAry 9 & 10, 2012

at the Sacramento Convention Center

bid online to support sddf!www.sdds.org/

SDDF_Gala-Auction.htm


KEY: = General Membership Meeting • = Member Forum (Business Series) • = Continuing Education • = HR Audio Conference • = CPR • = Special Event

may11 sddF Annual golf tournament

Turkey Creek Golf Course

8 Medical emergencies do occur in Children: Are you prepared?David Rothman, DDS6:00pm–9:00pm • 2 CE, core

Foundation Night

16 Ask the expert — bring All your hr questions!California Employers AssociationNoon–1:00pm • 1 CE, 20%

march6 endodontic diagnosis:

understanding pulpal painRalan Wong, DDS6:00pm–9:00pm • 2 CE, core

Spouse Night

16 Adult Conscious sedation recertification CourseAnthony Feck, DMD8:30am–4:30pm • 7 CE, core

22 retirement roundtable: it’s neVer too early, but When is it too late?20/20 Financial Advisers of Sacramento Ameriprise Financial • Eagle West Group, Inc. Principal Financial Group • TDIC6:30pm–9:00pm • No CE

april10 Medical emergencies

in the dental officeTom Lenhart, II, DMD6:00pm–9:00pm • 2 CE, core

Recruitment Night


19 branding or rebranding? that is the question!Gordon Fowler, President (3Fold Communications)6:30pm–9:00pm • No CE

25 staff evaluations — how, When & Why?California Employers AssociationNoon–1:00pm • 1 CE, 20%

27 Wait! i still Feel that! problem-solving the delivery of local AnesthesiaAlan Budenz, DDS8:30am–1:30pm • 5 CE, core

june1 CA dental practice Act

& infection ControlMarcella Oster, RDA8:30am–12:30pm • 4 CE, core

lr

lrDON’t FORget! Your 2011–12 Program at

a glance details all the info you see here in a convenient

pocket-sized format!

For more information on SDDS events, visit:

www.sdds.org

GENERAL MEETINGS

SEPTEMBER 13, 2011 2 CEU, core

Kenneth Tittle, DDS, MS

OCTOBER 11, 2011 2 CEU, core

William Mora, MD

NOVEMBER 8, 2011 2 CEU, 20%

Gordon Fowler, President (3Fold Communications)

MARCH 6, 2012 2 CEU, core NOTE DATE

Ralan Wong, DDS

APRIL 10, 2012 2 CEU, core

Tom Lenhart, II, DMD

JANUARY 10, 2012 2 CEU, core

Kim Miller, RDH, BSDH

MAY 8, 2012 2 CEU, core

David Rothman, DDS

LR

Licensure Renewal: The Dental Board of California requires CPR BLS Renewal

(AHA, Red Cross or AGD approved), two hours of Infection Control and

two hours of California Dental Practice Act for each license renewal cycle.

www.sdds.org

916.446.1227

SDDS

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CDA NIGHT

STAFF NIGHT

SPOUSE NIGHT

RECRUITMENT NIGHT

HYGIENE NIGHT

FOUNDATION NIGHT

NEW MEMBER

NIGHT

PROGRAMat a GLANCE

2011–2012

SACRAMENTO DISTRICT DENTAL SOCIETY

GENERAL MEMBERSHIP MEETINGS

MEMBER FORUMS

LICENSURE RENEWAL COURSES

MIDWINTER CONVENTION

CPR BLS RENEWAL COURSES

CONTINUING EDUCATION COURSES

SPECIAL EVENTS

LR

2011–2012calendar of events

you Are A dentist. You’ve been to school, taken your Boards and settled into practice. End of story?

Not quite. Employee evaluations, hiring and firing, labor laws and personnel files are an important part of being an employer. Are you up on the changes that happen nearly EVERY January 1st?

In this monthly column, we will offer information pertinent to you, the dentist as the employer.

you


The Top MistakesyoU mIght bE makIngby California employers association (SDDS Vendor Member)

the dentist, the employer

Can my employees combine their breaks so they can leave early at the end of the day?

No. As an employer you are required to provide rest breaks for nonexempt employees of no less than 10 consecutive minutes for each four hours (or major portion thereof ) worked, occurring as near as possible to the middle of the work period.

Did you know? SDDS has a great, member only benefit — the HR Hotline! SDDS members can call (800) 399-5331, Monday through Friday from 8:00am to 5:00pm, talk to a real person and get answers to Human Resource questions. The hotline is free to all SDDS members — another valuable benefit!

The Human Resource Hotline is staffed by HR professionals from CEA, the California Employers Association. CEA has been helping small employers with their HR issues for more than 70 years and is a not for profit HR consulting and advice company.

Now that the hotline and all of these resources are available to you, don’t be afraid to use them! If you have an employee relation issue that is causing you concern, need to order applications, new hire or termination packets or if you just want to double check what you have been doing in the past in regards to human resource policies, call the hotline, the CEA team is ready and willing to assist you!

Ask yourself these questions and then read on to find out the answers.

neW hireSI just have to have my new hire fill out a w4, right?

You are required by law to give the following forms to each new hire; INS I-9 form, W-4, copy of employee’s rights under Worker’s Comp., Form DFEH 185 Harassment, Form DE 2515 EED Disability Insurance Pamphlet, Form DE 2511 Paid Family Leave Brochure, Form DE 34 EDD Report of New Employees.

tarDineSSmy employee is chronically late for his shift. how can I manage the situation?

Document, document, document. Start documenting when the employee is late, have verbal and if needed written warnings regarding the situation. Call the hotline for sample write-up templates, record everything in their personnel file and stay on top of the situation.

BreaKSCan my employees work through their lunch as long as I provide the pizza?

No. Nonexempt employees are required to have an unpaid, duty-free thirty minute meal period if they work in excess of six hours in a day. Nonexempt employees must also take their meal break within five hours of the start of their shift.

CALL THE sdds hr hotline WITH ALL YOuR BuRNING quESTIONS — 1-800-399-5331

HR audioconferencessepteMber 20, 2011

october 19, 2011

ALternAtive wOrK weeK, wAGe & hOur iSSueS

•RulingsfromCASupreme Court

•Meal&restperiods

•Commonmistakes

noon–1pm • 1 ce, 20%

empLOyee LeAveS & time OFF

•LawsgoverningCAemployers

•Employee’srights

•Whoiseligible

•EffectsonPTO,vacation,sick&wages

noon–1pm • 1 ce, 20%


Exciting new developments have occurred in the examination process in the State of California. Last fall, the Legislature passed a bill which would authorize the Board to adopt regulations that would create a new pathway to licensure for graduates of Board-approved California dental schools. Assembly Bill 1524, sponsored by the Dental Board of California (DBC) and introduced by Assemblywoman Hayashi, was signed into law by Governor Arnold Schwarzenegger at the close of the legislative session. This bill creates regulatory authority for the nation’s first-ever dental school-based portfolio examination process and once implemented, will offer students attending Board-approved California dental schools an additional pathway to licensure and an alternative to the Western Regional Examination Board (WREB) examination.

The Portfolio Assessment was born out of the desire to eliminate the need to give a stand-alone exam to those candidate students

who could meet the requirements set by the DBC. While this new type of assessment exceeds the present requirements for testing on patients, it is also based on achieving a required number of clinical experiences. The required clinical experiences in diagnosis and treatment planning, periodontics, direct and indirect restorative prosthodontics, and endodontics, will be tested on patients of record in the schools by way of the competency exams with oversight by the Board. Over time, calibration, standardization, verification, and cooperation will be important components of this new and novel approach to assessing candidates.

Although AB 1524 became effective on January 1, 2011, implementation of this new pathway will not be available to students until the regulations outlining the portfolio examination process are developed and adopted by the Board. During the next year, staff will be working with an Examination Subcommittee to draft language that will be reviewed and discussed in public hearings. The hearings will be noticed on the Board’s Web site. If you are interested in receiving notification of these regulatory hearings, please join the Board’s e-mail notification list. To do so, go to the Board’s Web site, www.dbc.ca.gov, and select the “E-mail Mailing List” from the “Quick Hits” menu on the left side of the page. Enter your e-mail address and click on “submit.” It is that simple. To confirm your identity, an e-mail message, requesting confirmation, will be sent to the e-mail address you provide. Please follow the instructions in that message. If you wish to continue receiving the Board’s e-mail notices, you should keep your e-mail address current on this list. There is no charge for this service.

The Dental Board of California appreciates the support it has received from throughout the country for the development of this new pathway to licensure. We will continue to strive to be a leader in public protection, promotion of oral health, and access to quality care. a

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SDDS eleCtionS 2006Elections to be held at General Meeting September 12, 2006

SDDS EXECUtIvE CommIttEEPresident: Victor Hawkins, DDSPresident Elect / Treasurer: Gary Ackerman, DDSSecretary: Kelly Giannetti, DMD, MSImmediate Past President: Wai Chan, DDS

boarD oF DIrECtorSNancy Archibald, DDS (2012–2013: 1st term)Carl Hillendahl, DDS (2012–2013: 2nd term)Beverly Kodama, DDS (2012–2013: 1st term)

Existing Board MEMBErs continuing 2011–12 tErM:Wallace Bellamy, DDS • Jennifer Goss, DDS Dan Haberman, DDS, MS • Viren Patel, DDS Kim Wallace, DDS

trUStEERobert Gillis, DMD, MS (1st term, 2012–13)

Existing trustEE continuing 2011–13 tErM:Kevin Keating, DDS, MS

DELEgatES to thE CDa hoUSE oF DELEgatES (2 year term, 2011–12): Nancy Archibald, DDSAdrian Carrington, DDS (2nd term)Beverly Kodama, DDSViren Patel, DDS

Existing dElEgatEs continuing 2010–11 tErM:Gary Ackerman, DDS • Wai Chan, DDS Matthew Comfort, DDS • Kelly Giannetti, DMD, MS Victor Hawkins, DDS • Terrence Jones, DDS Craig Johnson, DDS • Kenneth Moore, DDS Kim Wallace, DDS Sa

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notICE oF annUaL mEEtIng & ELECtIonSElections to be held at General Meeting September 13, 2011

victor hawkins, DDS PresidentGeneral Practitioner • SDDS Member since 1963

Executive Committee (2009–12) • SDDS Board (2005–08) • Foundation Board (2009–10) Delegate (2007–12) • Alternate (2006) • Smiles for Kids Site Host

Committee Involvement: CPR* • GMC Task Force • Other Honors & Positions: CDA Council on Continuing Education (past), CDAF Advisory Board — Northern CA* (past), ADA Alternate Delegate (past)

gary ackerman, DDS President-Elect/treasurerGeneral Practitioner • SDDS Member since 1987

Executive Committee (2010–12) • SDDS Board (2005–08) • Foundation Board (2010) Delegate (2004–05, 2007–08, 2009–12) • Smiles for Kids

Committee Involvement: CE*, MidWinter Convention • Other Honors & Positions: CDA Board of Managers (past), ADA Delegate (past)

kelly giannetti, DDS SecretaryOrthodontist • SDDS Member since 1999

Executive Committee (2011–12) • SDDS Board (2006–2011) Foundation Board (2000–05) Vice President (2003–04) Delegate (2008–12) • Alternate (2007–08) • Smiles for Kids

Committee Involvement: Board Size Task Force, Ethics, Leadership Development, Legislative Policy / Guidelines Task Force, Strategic Plan

wai Chan, DDS Immediate Past PresidentGeneral Practitioner • SDDS Member since 1982

Executive Committee (2008–12) • SDDS Board (2004–05, 2007) Foundation Board (2008) • Delegate (2003–12) • Alternate (2002) • Smiles for Kids

Committee Involvement: Budget & Finance, CE, GMC Task Force, Legislative, MidWinter Convention, Peer Review, Strategic Plan • Other Honors & Positions: Asian Dentist of the Year (2006), CA AGD Dentist of the Year (2006), CDA Policy Development Council (past), ADA Alternate Delegate (past)

robert gillis, DmD, mS trusteeProsthodontist • SDDS Member since 1977

Executive Committee (2000–04) • SDDS Board (2000–04, 2012–13) Foundation Board (2003–06, 2010–11) • Delegate (1999–2004, 2010) • Alternate (2011)

Committee Involvement: Ad Hoc Diversity, Budget & Finance, Bylaws Advisory, CE*, Council on Community Health*, Dental Care, Dental Careers Work Group, Forensics, Fluoridation, Leadership Development, Mentor/Mentee Program, SacPAC, SDDF Golf Tournament, UCD Dental Clinical Task Force

nancy archibald, DDS board member/DelegateGeneral Practitioner • SDDS Member since 1984

SDDS Board (1999–01, 2012–13) • Delegate (1999–00, 2009–10, 2011–12) • Alternate (2008)

Committee Involvement: Communications*, Council on Administration, Leadership Development, Prophylaxis Task Force, SDDF Gala

adrian Carrington, DDS DelegateGeneral Practitioner • SDDS Member since 1992

Executive Committee (2006–10) • Foundation Board (2006, 2010) Delegate (2001–02, 2004–12) • Alternate (2003) • Smiles for Kids Site Host

Committee Involvement: CPR (instructor), Leadership Development, Membership, Peer Review*, Ad Hoc (various), CDA Council on Peer Review

Carl hillendahl, DDS board memberGeneral Practitioner • SDDS Member since 2000

SDDS Board (2010–13)

Committee Involvement: Board Room Usage Task Force, Ethics*, Leadership Evaluation Task Force

beverly kodama, DDS board member/DelegateGeneral Practitioner • SDDS Member since 1983

SDDS Board (1992–94, 2002–03, 2012–13) Delegate (1994–96, 2011–12) • Alternate (2008–09, 2010)

Committee Involvement: CE*, Dental Careers Workgroup, Leadership Development, Member Forum, MidWinter Convention, Nugget Editorial, Prophylaxis Task Force

viren Patel, DDS DelegateGeneral Practitioner • SDDS Member since 1996

SDDS Board (2009–12) • Foundation Board (2001) • Delegate (2009–10)

Committee Involvement: Dental Health, Leadership Development, Leadership Evaluation Task Force*, Membership, Nugget Editorial, Peer Review, Strategic Plan, Student Mentoring Workgroup

2012 SLatE oF LEaDErShIP


YOu ASKED FOR THIS!

Nugget Survey 2009

Over the last decade that I have been involved with the Peer Review System, I have put a lot of thought into how our patients end up there. In large part, the reasons can be classified into three categories: poor communication, poor records and pride.

Poor communication

I have been able to go to Seattle and learn from Dr. John Kois. One of the very first things that Dr. Kois teaches is communicating the risks and benefits from doing or not doing a procedure. He discusses the expected outcomes and then records the conversation in the patient record, covering himself legally and easing future problems. We all have chased deep decay, not finding an exposure but leaving an angry nerve. With Peer Review, a common problem is a tooth needing future root canal therapy, post and crown. This, at least in the patients’ eyes, is the dentists’ fault as they believed that all was well. We all need to do better communicating the risks, benefits and expected outcomes of treatment.

Poor records

“If it’s not written down, it didn’t happen!” Far too often with Peer Review we hear “I told her the decay was deep,” or “He was told that there might be sensitivity with the new crown,” from the treating dentist, but

committee cornerPeer Review Committee:wE Can Do bEttEr

nowhere is that found in the clinical record. If meticulous records are taken, noting why the procedure was done, the extent of the defect,

and size of the restoration with expected outcomes, future problems go away and patients work with us through the difficulties. The right word in the right spot could save you thousands of dollars and much grief.

Pride

Many times the best way to mitigate a problem is to say “I’m sorry. Please let me fix that for you.” Writing a check, with a kind smile, is often the best way to diffuse a difficult situation. Many times with Peer Review, we see pride getting in the way of an easy resolution. Just cut the check.

Being a member of the Peer Review Committee, I have learned personally from each individual case. I have realized that if circumstances were just slightly different, I could be the one having to explain my actions regarding an angry patient. We all can do better.

by Bryan Judd, DDSPeer review Committee Co-Chair

Board of Directors (sdds / 6:00pm)Sept 6 • nov 1

Ce Committee (sdds / 6:00pm)Sept 20 • nov 29

CPr Committee (sdds / 6:30pm)Future meetings TBA

Dental health Committee (sdds / 6:30pm)Sept 12 • nov 14

ethics Committee (sdds / 6:30pm)Sept 28 • nov 16

foundation (SDDf) (sdds / 6:00pm)Sept 12 • nov 17

Golf Committee (sdds / 6:00pm)Completed for 2011

leadership Dev. Committee (sdds / 6:00pm)Completed for 2011

Mass Disaster / forensics Committee (location tBa / 6:30pm)2011 Meetings TBA

Membership Committee (sdds / 6:00pm)Sept 20 • nov 15

nugget editorial Committee (sdds / 6:15pm)sept 27

SacPaC Committee (sdds / 6:00pm)2011 meetings TBA

2011 SDDS CommIttEE mEEtIngS:

Many times with Peer Review, we see pride getting in the way of an easy resolution.

Just cut the check.

Need a job? • Need an associate? Looking to sell? • Looking to buy?

The SDDS Job Bank is your go-to place to connect with fellow members.CDA member dentists and DHP member auxiliaries only. Confidential and public lists available.

sdds Job bankwww.sdds.org/Jobbank.htm


deNtaL SuppLieSDESCO Dental Equipment

TonyVigil,President

916.624.2800www.descosac.com

916-624-2800800-649-6999

The Dental Equipment Specialists

4095 Del Mar Ave. #13Rocklin, CA 95677

www.descodentalequipment.com

2009since

FiNaNCiaL SeRviCeSFechter & Company

Craig Fechter, CPA

916.979.7671 www.fechtercpa.com2009

since

HumaN ReSouRCeSCalifornia Employers Association

KimParker,ExecutiveVPMariBradford,HRHotlineManager

800.399.5331www.employers.org2004since

deNtaL SuppLieSPatterson Dental

JamesRyan800.736.4688

www.pattersondental.com

PATTERSOND E N T A L

2003since

deNtaL SuppLieSRelyAid

JimAlfheim,PresidentofSales&Marketing800.775.6412916.431.8046

www.relyaid.com2009

since

magaziNeSacramento Magazine

BeckiBell,MarketingDirector

916.452.6200www.sacmag.com2002

since

deNtaL SuppLieSCrest / Oral B

LaurenHerman•209.969.6468 KevinMcKittrick•916.765.9101

www.dentalcare.com2002since

pRaCtiCe maNagemeNt & CoNSuLtiNgStraine Consulting

OliviaStraine•KerryStraine916.568.7200www.straine.com2003

since

CoNStRuCtioNAndrews Construction, Inc.

Todd Andrews

916.743.5150 www.andrewsconstructioninc.com2002since

CoNStRuCtioNBlue Northern Builders

MarcDavis•MorganDavis•LyndaDoyle

916.772.4192 www.bluenorthernbuilders.com2007

since

mediCaL gaSeSAnalgesic Services

GearyGuy,VPSteveShupe,VP

916.928.1068www.asimedical.com2004

since

FiNaNCiaL SeRviCeSFirst US Community

Credit Union

Gordon Gerwig, BusinessServicesManager

916.576.5650www.firstus.org2005since

pReCiouS metaL ReFiNiNgStar Refining

JimRyan,SalesConsultant800.333.9990www.starrefining.com2009

since

CoNStRuCtioNOlson Construction, Inc.

DavidOlson

209.366.2486 www.olsonconstructioninc.com2004

since

2003since

StaFFiNg SeRviCeSResource Staffing Group

KathyOlson

916.960.2668www.resourcestaff.com

2009since

FiNaNCiaL SeRviCeSAmeriprise Financial

Violetta Sit Terpeluk, CFP®,MBA,CRPC®

FinancialAdvisor,BusinessFinancialAdvisor

916.787.9988www.ameripriseadvisors.com/ violetta.s.terpeluk

PROFESSIOnALPRACTICETRAnSITIOnS

2005since

deNtaL SuppLieSHenry Schein Dental

916.626.3002www.henryschein.com

FiNaNCiaL SeRviCeSMann, Urrutia, Nelson, CPAs

JohnUrrutia,CPA,PartnerChris Mann, CPA, Partner

916.774-4208www.muncpas.com2010since

FiNaNCiaL SeRviCeSPrincipal Financial Group

LucasRayburn916.773.3343

www.principal.com2010since

Job pLaCemeNt peRmaNeNt & tempoRaRy

dentassist

Lisa Saiia, Director

916.443.1113www.dentassist.com2003since

FiNaNCiaL SeRviCeSEagle West Group, Inc.

Chrisnunn

916.367.4540www.eaglewestgroup.com2010

since

ven

DO

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emb

er A

v

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Or

mem

ber

b

deNtaL SuppLieSSupply Doc, Inc.

AminAmirkhizi,CEO

877.311.7373www.supplydoc.com2010

since

2011since

FiNaNCiaL SeRviCeSBanc of America

Practice Solutions

PhilHoover•415.891.8789www.bankofamerica.com/practicesolutions

Want to know more? Contact your Practice Specialist today at 1.800.491.3623. Mention Priority Code ADDPH10A. Or visit us online at www.bankofamerica.com/practicesolutions.

*All programs subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. Loans greater than $250,000 may be eligible for a 20-year term. **Banc of America Practice Solutions may prohibit use of an account to pay off or pay down another Bank of America account. � Bank of America and Banc of America Practice Solutions are trademarks of Bank of America Corporation. Banc of America Practice Solutions is a subsidiary of Bank of America Corporation. © 2010 Bank of America Corporation

� New office start-ups — get started with up to 100% project financing,* including design, construction, equipment and working capital.

� Practice sales and purchases — our team of experts can provide the experience and industry knowledge you need for buying and selling.

� Business debt consolidation**— to improve your cash flow.

� Office improvement and expansion — remodel, refurbish, or expand.

� Commercial real estate — choose from a suite of comprehensive real estate loan options to buy, refinance,* or relocate.

� Equipment financing*— choose from a variety of options and flexible terms tailored to meet your needs.

� Consulting and Educational loans — from $10,000 to $75,000, which can include up to $10,000 for travel.

What kind of financing do you need?You’ll find it here — and much more.

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FiNaNCiaL SeRviCeS Dennis Nelson, CPA, APC

Dennisnelson,CPA

916.988.8583www.cpa4dentists.net2011since

DENNIS NELSONCPA, APC

PLANNING & CONSULTING ASSOCIATES

pRaCtiCe maNagemeNt & CoNSuLtiNg

JoAnne Tanner, MBA

JoAnneTanner,MBA•916.791.2720www.joannetanner.com2011

since

2011since

deNtaL SuppLieSBurkhart Dental

AndrewMallett,BranchManager

916.784.8200 www.burkhartdental.com

iNSuRaNCeThe Dentists Insurance Company

ChariseSalivar

916.554.4919 www.cda.org2011

since

Western ContrACt, a company with a well-deserved reputation for superior customer service since 1959, has united with Jeanne Maloney of Design Directions to form Sacramento’s largest full service dental design firm.

This combined company brings together over 30 years of dental design experience with the purchasing power of a major furniture distributor, ready to provide you a leading-edge dental office with impeccable design and quality furnishings at an unbeatable price.

interior design And spACe plAnning• From pre-planning through construction and furnishing installation• Color palette, artwork and finish selection• Specialty design of glass and lighting• CA licensed contractor• CID accreditation• LEED-accredited designers

proJeCt MAnAgeMent• Project coordination during all phases of construction• Communication with all trades so that costs are managed and schedules are on track

Furniture• 6,000 sf healthcare furniture showroom, so you can “try before you buy”• Dedicated healthcare finishes library• Over 200 healthcare and business furniture manufacturers available

our distinguished clients have included:• Alan Tan, DDS, Orthodontics, Woodland CA• Michael Rex Favero, DMD, Sacramento CA• Timothy Wong, DDS, John Fat, DDS, MS, Endodontics, Sacramento CA• Amy Woo, DDS, Sacramento CA

Jeanne Maloney, V.p. [email protected] • (916) 213-1742 • www.westerncontract.com

burkhArt dentAl supply provides equipment, technology, office design, equipment repair, supplies, business consulting and continuing education services across the Western United States, helping dentists realize their clinical and professional goals. We grow our sales with the sales efforts of our Account Managers, Equipment Specialists, Technology Specialists and Branch Managers through the relationships they cultivate and develop.

For over a century, the people of Burkhart have focused on helping dentists achieve personal and professional success. Today this is still our passion.

We are distinguished by our values, ethics and people. The key is a deep belief in win-win relationships.

“I ask everyone at Burkhart to focus on three things — acting with the integrity that earns client trust; being a knowledgeable resource; and always working in the client’s best interest. I believe that our fulfillment of these principles differentiates us. They aren’t new ideas, and Burkhart’s culture and identity have long been based on these principles. But adhering to them and really living up to them, regardless of the business climate we operate in at any given time, are a constant challenge with great rewards, “ asserts Lori Burkhart, fifth generation Burkhart Dental Supply President.

Andrew Mallett, branch [email protected] • (916) 784-8200 • www.burkhartdental.com

Please note that 20/20 Financial Advisers of sacramento has elected not to renew their Vendor Membership at this time. Please remove them from your directory. We appreciate their past support and hope that they will return soon.


teCHNoLogyTekfix Team

Garrett Gatewood, President877.291.1099

www.tekfixteam.net2011

since

tRaNSitioN bRokeRWestern Practice Sales

TimGiroux,DDS,PresidentJohnnoble,MBA800.641.4179

www.westernpracticesales.com2007since

FiNaNCiaL SeRviCeSUnion Bank

Philip Kong

916.533.6882www.unionbank.com2010

since

venDOr member SpOtLiGhtS:

LegaL SeRviCeSWood & Delgado

JasonWood,Esq.

1.800.499.1474•949.553.1474 www.dentalattorneys.com2010

since

we loveour SDDSVendor Members!

VEnDORMEMBERA

VEnDORMEMBERB

neWTHISyEAR!

backTHISyEAR!

CoNStRuCtioNTilcon Dental Building Specialists

JeffTilford,Owner

916.258.5538 www.tilconbuilders.com2011

since

2011since

iNteRioR deSigNWestern Contract

JeanneMaloney,V.P.Healthcare916.213.1742

www.westerncontract.com

We’re bloWing your horn!

CongratULatIonS to...Have some news you’d like to share with the Society? Please send your information (via email, fax or mail) to SDDS for publication in the Nugget!

The College of Diplomates of the American Board of Orthodontics recently awarded one of our own!

At the Annual College meeting held this year in San Diego, Dr. Peter Worth was awarded the Bishara Award of Merit. He was honored for his years of unselfish contribution to the College by volunteering his time as an instructor for the ABO Clinical Exam both at the AAO Annual Session and PCSO meetings.

Drs. Peter Worth and John Whittaker are the first ever recipients of this prestigious honor!

CONgrATulATiONS!

bishara award of merit awarded toDr. PEtEr worth


Dr. Cris Shepard, for receiving the 2011 Clinical Dentist of the Year Award from the Indian Health Service National Oral Health Council.

Dr. Clifford Chow, for his recent Board Certification and Diplomate status in orofacial pain, from the American Board of Orofacial Pain.

Dr. William Swearingen, for the sale of his practice to Dr. Michelle Bartolome.

Dr. Kathy Hosseini, on the purchase of her dental practice in El Dorado Hills.

Dr. Louis Gallia, for his appointment to the Dental Board of California Elective Facial Cosmetic Surgery Permit Credentialing Committee.

Juliana Yee, daughter of Dr. Wesley Yee, for her acceptance to Stanford Law School.

Dr. Sang Tran and his wife, Thanh Nguyen, on the birth of Sophie Diem Tran on June 14, 2011. Sophie was born at 8 lb, 2 oz and measured 19.5 inches long. (photo below)

Sophie Diem Tranborn June 14, 2011

to Dr. Sang Tran and Thanh Nguyen


Contact us today for your

Complimentary Practice “Check-Up”

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Jim Addiego GENERAL MANAGER

FIngErPrIntIng for LICEnSEES

Reprinted from DBC Newsletter (Winter 2011)

Since 1984, all dentists applying for a license through the California Dental Board have been fingerprinted. This was not a requirement for dentists licensed before 1984, and for Registered Dental Assistants licensed before 1999. Furthermore, not all licensees have submitted their fingerprints to the Board electronically. The process for submitting fingerprints electronically is known as “Live Scan.”

Recently, several articles in the Los Angeles Times reported on nurses who have a criminal background or are incarcerated and continue to hold a valid California license. These reports have made the Dental Board aware that there may be dental licensees who have committed criminal acts that have not come to the Board’s attention because the Board did not require fingerprinting of dentists before 1984 and before 1999 for Registered Dental Assistants. The Board feels that this may place consumers or other licensees who employ or work with these individuals at risk. The Board has proposed regulations that will require any dentist licensed before 1984, any Registered Dental Assistant licensed before 1999, and any licensee for whom an electronic submission of fingerprints does not exist, to be fingerprinted before his or her license is renewed. These regulations were approved by the first quarter of 2011, meaning the Dental Board will begin notifying all affected licensees. Those licensees will be responsible for submitting Live Scan fingerprints to the

Dental Board before their next license renewal or the license will be placed on an inactive status until fingerprints are submitted to the Board.

The Live Scan process is simple, and can easily be completed at numerous locations throughout the state. Fees vary by location, but a licensee can expect to pay $51 plus a rolling fee between $10 and $30.

note: pleAse WAit until you Are notiFied by the dentAl boArd to

tAke ACtion on this MAtter.

Are you An SDDS FAn?

aDvErtISEr iNdexDental laBoratorieSElite Aesthetics Dental Studio . . . . . . . . . . . . . . . . . . . . . . 34

Dental SuPPlieS, equiPMent, rePairAccurate Handpiece Repair . . . . . . . . . . . . . . . . . . . . . . . . 29Burkhart Dental Supply . . . . . . . . . . . . . . . . . . . . . . . 26, 27DESCO Dental Equipment . . . . . . . . . . . . . . . . . . . . 23, 26Dream Systems, LLC . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29Henry Schein Dental. . . . . . . . . . . . . . . . . . . . . . . . . . 23, 26Patterson Dental Supply, Inc. . . . . . . . . . . . . . . . . . . . . . . 26Procter&GambleDistributingCo. . . . . . . . . . . . . . . . . . 26RelyAid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26Supply Doc, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

eDuCationSan Joaquin Valley College . . . . . . . . . . . . . . . . . . . . . . . . 30

finanCial & inSuranCe ServiCeSAmeriprise Financial . . . . . . . . . . . . . . . . . . . . . . . . . . 13, 26Banc of America Practice Solutions . . . . . . . . . . . . . . . 13, 26Dennis Nelson, CPA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26Eagle West Group, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . 5, 26Fechter&Company,CPAs . . . . . . . . . . . . . . . . . . . . . . . 26First U.S. Community Credit Union. . . . . . . . . . . . . . . . . 26Mann,Urrutia&Nelson,CPAs . . . . . . . . . . . . . . . . . . . . 26Principal Financial Group . . . . . . . . . . . . . . . . . . . . . . . . . 26TDIC&TDICInsuranceServices . . . . . . . . . . . . . 7, 26, 33Union Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11, 27

huMan reSourCeSCalifornia Employers Association (CEA) . . . . . . . . . . . . . . . 26

leGal ServiCeSWood&Delgado . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

MeDiCal GaS ServiCeSAnalgesic Services, Inc. . . . . . . . . . . . . . . . . . . . . . . . . 16, 26

offiCe DeSiGn & ConStruCtionAndrews Construction . . . . . . . . . . . . . . . . . . . . . . . . 17, 26Blue Northern Builders, Inc. . . . . . . . . . . . . . . . . . . . . . . . 26Henry Schein Dental. . . . . . . . . . . . . . . . . . . . . . . . . . 23, 26Olson Construction, Inc. . . . . . . . . . . . . . . . . . . . . . . 11, 26Tilcon Builders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27Western Contract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

PraCtiCe SaleS, leaSe, ManaGeMent anD/or ConSultinGDental Management Solutions . . . . . . . . . . . . . . . . . . . . . 30Henry Schein Dental. . . . . . . . . . . . . . . . . . . . . . . . . . 23, 26JoAnne Tanner, MBA. . . . . . . . . . . . . . . . . . . . . . . . . . 26, 30Straine Consulting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26TRI Commercial Real Estate (Gordon Stevenson) . . . . . . . . 12Western Practice Sales . . . . . . . . . . . . . . . . . . . . . . . . . 27, 34

PuBliCationSSacramento Magazine . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

StaffinG ServiCeSdentassist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17, 26Resource Staffing Group. . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

teChnoloGyTekfix Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

WaSte ManaGeMent ServiCeSStar Refining. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26



neW memberswELComEto SDDS’s new members, transfers and applicants.

ClIP OuT this handy nEW MEMBEr uPDATE and insert it into your DIrECTOrY under the “nEW MEMBErS” tab.

Aug/sept 2011

importANt nUmbErS:

SDDS (doctor’s line) . . . . . . . (916) 446-1227

ADA . . . . . . . . . . . . . . . . . . (800) 621-8099

CDA . . . . . . . . . . . . . . . . . . (800) 736-8702

CDA Contact Center . . (866) CDA-MEMBER (866-232-6362)

CDA Practice Resource Ctr . . cdacompass.com

TDIC Insurance Solutions . . (800) 733-0633

Denti-Cal Referral . . . . . . . . (800) 322-6384

Central Valley Well Being Committee . . . . . (559) 359-5631

totaL ACtiVe mEmbErS: 1,296totaL retired mEmbErS: 202totaL duAl mEmbErS: 2totaL AFFIlIATE mEmbErS: 11

totaL studeNt/ proVisioNAl mEmbErS: 3

totaL CurreNt aPPLICantS: 6totaL dHp mEmbErS: 40

totaL New mEmbErS FOr 2011: 40

totaL MEMBErSHIP (AS OF 7/15/11): 1,560

kEEP usUPDatED!Moving? Opening another office?Offering new services?Share your information with the Society!

We can only refer you if we know where you are; and we rely on having your current information on file to keep you informed of valuable member events! Give us a call at (916) 446-1227.

The more accurate information we have, the better we can serve you!

morE

welCome bACk!

welCome bACk!Leo Townsend, DDSGeneral Practitioner7915 Laguna Blvd, Ste 120Elk Grove, CA 95758(916) 683-1335Dr. Leo Townsend graduated from Meharry Medical College School of

Dentistry in 1989 with his DDS and later completed a residency at Genesee Hospital in 1990. He is currently practicing in Elk Grove and lives in Sacramento with his wife, Dawn.

nEw TrAnSFEr mEmbErS:Paul A. Johnson, DDSTransferred from San Francisco Dental SocietyPediatric Dentist7916 Pebble Beach Dr, Ste 101Citrus Heights, CA 95610(916) 962-0577Dr. Paul A. Johnson graduated from the UCSF School of Dentistry in 2008 with his DDS and just completed his specialty certification in pediatric dentistry there earlier this year. He is currently practicing in Citrus Heights with fellow SDDS member Dr. Cindy Weideman and associates and lives in El Cerrito.

David Keating, DDSTransferred from Western Los Angeles Dental SocietyEndodontist1810 Professional Dr, Ste ASacramento, CA 95825(916) 485-6900

Dr. David Keating graduated from the UCSF School of Dentistry in 2009 with his DDS and just completed his specialty certification in endodontics at the UCLA School of Dentistry earlier this year. He is currently practicing in Sacramento with his father and fellow SDDS member, Dr. Kevin Keating and the rest of Endodontic Associates (Drs. Whitnack, Bal, Opp and Greene).

Bijan Aflatooni, DDSGeneral Practitioner9381 E Stockton Blvd, Ste 219Elk Grove, CA 95624(916) 670-1886Dr. Bijan Aflatooni graduated from Tehran University in 1974 with his DDS. He is currently practicing in Elk Grove with his son and fellow SDDS member, Dr. Nima Aflatooni, and lives in Elk Grove with his wife, Farzaneh.

M. Franklin Godfrey, III, DDSGeneral PractitionerPO Box 2178Loomis, CA 95650(916) 660-0907Dr. M. Franklin Godfrey, III graduated from Loma Linda University in 1989 with his DDS. He is currently based in Loomis and practices mobile dentistry.

Blain Jacobson, DMDOrthodontist6910 Douglas Blvd, Ste AGranite Bay, CA 95746(916) 772-4353Dr. Blain Jacobson graduated from Harvard School of Dental Medicine in 2006 with his DMD and later completed his specialty certification in orthodontics at Jacksonville University in 2008. He is currently practicing in Granite Bay and Davis and lives in Rancho Cordova.

Emerson Lake, DDSGeneral Practitioner6500 Lonetree BlvdRocklin, CA 95765(916) 797-8511Dr. Emerson Lake graduated from the UOP Arthur A. Dugoni School of Dentistry earlier this year with his DDS. He is currently practicing in Rocklin with fellow SDDS member, Dr. Charles Smurthwaite, and lives in Loomis.


nEED An ASSOCIATE? STAFF? BuYInG Or SEllInG A PrACTICE?CHeCk out tHe JoB BanK AT WWW.SDDS.OrG!

Place this page in the “new

members” section of your 2011–12

SDDS Directory

ClIP OuT this handy nEW MEMBEr uPDATE and insert it into your DIrECTOrY under the “nEW MEMBErS” tab.

member memberGeta

SacramentoDistrictDentalSociety

sdds begins “MeMber get A MeMber” progrAM!DO YOU KNOW SOMEONE WHO SHOULD JOIN SDDS? Whether it is a new dentist, an older dentist who has never joined, or just someone who has lapsed, you are eligible to win!

If you recommend a new member and that person joins, you will be entered into a drawing each month — September, October and November for SDDS. The SDDS GRAND DRAWING is December 1st and the grAnd priZe is that we pay your sdds dues ($320) for the 2012 year.

Here’s how it works! Recommend a new member and make sure they sign up and you will be eligible for the following:

a. If you are a dues paying member (paid a minimum of $333)… CdA will pay you $100* within two weeks of your referral.

b. Either way, regardless of how much you paid in dues, you are entered in the monthly sdds drawing for a great prize.

c. Either way, regardless of how much you paid in dues, you continue to be in the “pot” for Free sdds dues for 2012.

CONGRATULATIONS to all SDDS members who have referred a new member since May — their names are in the “pot” for the September 1st drawing.

Free sdds dues for 2012!

* $100 per referral up to $500 for five referrals

Steve Leighty, DDSTransferred from Butte-Sierra District Dental SocietyOral&MaxillofacialSurgeon1240 High St, # 105Auburn, CA 95603(530) 272-8871

Dr. Steve Leighty graduated from the UCSF School of Dentistry in 1991 with his DDS and later completed his specialty certification in oral and maxillofacial surgery at the University of Washington in 1995. He is currently practicing in Auburn and lives in Grass Valley with his wife, Karen. Dr. Leighty has been an affiliate member with SDDS since 2008 while practicing in Grass Valley but has officially transferred his membership upon the opening of his new office in Auburn!

Victoria Mosur, DDSTransferred from Northern California Dental SocietyGeneral PractitionerPending Office AddressDr. Victoria Mosur graduated from the USC Herman Ostrow School of Dentistry in 2005 with her DDS and is currently living in Folsom.

nEw APPlICAnTS:Mark Engel, DDSAshley Joves, DDSSmita Khandwala, BDS – welCome bACk!Tamar Lev, DDSTimothy Lyons, DDS – welCome bACk!Mignon Mapanao, DMD


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Coverages specifically written by The Dentists Insurance Company include Professional Liability, Building and Business Personal Property, Workers’ Compensation and Employment Practices Liability. Life, Health, Disability, Long-Term Care, Business Overhead Expense and Home and Auto products are underwritten by other insurance carriers and offered through TDIC Insurance Solutions.

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sacramento_bboard3_11.pdf 1 3/31/11 8:57 AM


1 2

event highlightsDEntaL Day at raLEy FIELDJune 9, 2011 — RiverCats vs. Tacoma Rainiers

1: Dr. Vic Hawkins (right) and his staff await the opening pitch. 2: Dr. Megan Moyneur (right) enjoys quality time with her husband, Matt and daughter, Paige. 3: Dr. Peter Worth is ready for a foul ball to fly his way! 4: Dr. Dean Ahmad and his wife, Comel (left), soak up a beautiful day at the ballpark with their staff. 5: Dr. Jamson Wu and his wife, Lily, make it a family outing with their children. 6: Dr. Lisa and Luko Laptalo (left) and her staff “root, root, root for the home team!” 7: The East Sac Dental team catch baseball fever!

43

5 6 7

SDDS MEMBERS ONLY:

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1911 DOUGLAS BOULEVARD, STE 85-438 • ROSEVILLE, CA 95661

916.990.6279 • eadentalstudio.com

WESTERN PRACTICE SALES John M. Cahill Associates

800.641.4179

Tim Giroux, DDS

Jon Noble, MBA

Mona Chang, DDS

John Cahill, MBA

Dave Judy

~NATIONWIDE EXPOSURE~

LOCALLY OWNED By Dentists, For Dentists

This is what separates Western Practice Sales from other brokerage firms. As dentists and business professionals in your area, we understand the unique aspects of your dental practice and offer more practical knowledge than any other brokerage firm.

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“The fact that you are a dentist adds a whole new dimension to your abilities as a broker, one which most other brokers cannot come close to” ”Your personal dedication to making everything happen was a unique touch” ”Your experience & knowledge coupled with your kind personal touch I believe makes you the best in the industry!” ”It’s great to have you right here in the Sacramento area. You were always available and always full of advice. Thank you”

[email protected] adstransitions.com westernpracticesales.com

link to your prACtiCe Website on WWW.sdds.org!

$300 for one year (renew for $100/year)

SDDS members only, please.

Visit www.sdds.org/membersonline.htm for more info.Visit www.sdds.org/membersonline.htm for more info.

Selling your practice? need an associate? Have office space to lease? Place a classified ad in the nugget and see the results! SDDS member dentists get one complimentary, professionally related classified ad per year (30 word maximum; additional words are billed at $.50 per word). rates for non-members are $45 for the first 30 words and $.60 per word after that. Add color to your ad for just $10! For more information on placing a classified ad, please call the SDDS office (916) 446-1227. Deadlines are the first of the month before the issue in which you’d like to run.

SDDS mEmbEr DEntIStS Can PLaCE CLaSSIFIED

aDS For FrEE!


dentists serving dentists — Western Practice sales invites you to visit our website, westernpracticesales.com to view all of our practices for sale and to see why we are the broker of choice throughout northern California. (800) 641-4179. 03-09

gorgeous, state-of-the-art multi-sPeCialty PraCtiCe in the greater sacramento region. all digital, paperless office. Current production: $60-$80,000/mo. Price: $425,000. 5 operatories. 2,400 sq ft. Respond to: [email protected]. 08/09-C1

loCum tenens — i am an experienced dentist, uoP graduate and i will temporarily maintain and grow your practice if you are ill / maternity leave or on extended vacation. (530) 644-3438. 04-10

loCum tenens — Loma Linda grad, 1980. Temporary dentist for emergencies, vacations and maternity leaves. (530) 823-0502. 02-11

Looking foR a P/T PeRiodonTisT / oRaL suRgeon for our state-of-the-art general practice in roseville, rocklin, lincoln area. Call (916) 705-0211 [email protected]. 06/07-11

exCiting oPPortunity for endodontist — advanced practice with beautiful, new high tech office in foothills of Jackson, California looking for an endodontist to work one day per week, developing into a full time practice with great potential. Please fax resume to (209) 223-2719. 06/07-11

PedodonTisT oR geneRaL W Pedo eXP (sacramento/elk grove) — Two positions available at expanding pedo practices. a perfect combination of four doctors on maternity and a groWing practice leaves us with lots of patients for a new doctor or two. Well respected, state of the art practice with an amazing team and completely non-traumatic approach. no pressure to produce! Quality care and relationships come first. email CV to [email protected]. 08/09-C1

CendRes & MeTauX (sWiss) PReCision MiCRo milling maChine — electric hand piece motor, foot pedal activated, drill press, paralleling, great for cutting precision attachments and milling bars. magnetic working table and angulation accessories. $450. ConTaCT dR. PauL Binon (916) 786-6676 oR email: [email protected]. 08/09-C1

denTuRe CuRing / BoiL ouT Tank. stain steel cabi-net 37 ½ tall, 24x19 top, with 11”x15 ¾ ss well. gas op-erated /auto pilot, temp control. Light Tan color, stainless top. $300. ConTaCT dR. PauL Binon (916) 786-6676 oR email: [email protected]. 08/09-11

vaniman voyager under the counter unit suction, can be set up for one or two stations. 14”x 10” 12” high. in excellent condition — $350. ConTaCT dR. PauL Binon (916) 786-6676 oR email: [email protected]. 08/09-11

TRi dynaMiC “The CenTRifuge” By denTaL Co. for centrifuging epoxy dies and models for veneers and crowns. originally used with ivoclar epoxy resin die material for op-timal working models. Can be used with other materials as well. — $75. ConTaCT dR. PauL Binon (916) 786-6676 oR email: [email protected]. 08/09-11

TiMes TWo RoTaTing fiLe CaBineT. tan, great condition, 92.5″h 67.5″W 25″d. disassembled, $999 oBo. Contact for details; Craig Johnson at [email protected]. 08/09-C1

building or remodeling your dental office? Tilcon Builders will work with you through aLL Phases of your project. owner / operator Jeff Tillford is available for consultation and estimates (916) 258-5538. 08/09-11

design your oWn dental suite offering generous tenant improvements for this 800 sq ft office space. Rent negotiation is available. the suite is in a three story mid-town dental complex. (916) 448-5702. 11-10

suite for lease — in Midtown sacramento at 30th & P. ideal for perio, endo or oral surgery. improvements + allowance for modification. signage, high visibility, on-site parking and freeway access. in the midst of sutter’s medical campus expansion. (916) 473-8810. Lic. 01227233. 02-11

free rent — fully equipped, 4 ops, dentrix software, arden area, great for starting new practice. former location of 35 year practice. Contact douglas yee (916) 801-1707. 05-11

BRand neW BuiLd-To-suiT offiCe. for rent, 1500–2400 sq ft. Between two well-established gP offices, great for specialists. Located arden Park area (916) 920-1170. 08/09-C1

dental offiCe. 1355 florin medical-dental building. 850 sf, 3 operatories, $1,200 monthly. includes all utilities and janitor. ample parking. (916) 730-4494. 06/07-11

oPeratory sPaCe to share in roseville. Contact dr. alan Pan at (916) 781-6688 to discuss details if interested. 06/07-11

LaBoRaToRy sPaCe foR RenT. some equipment available for use. Can accommodate two person crown and bridge lab / high quality work. Call 786 6676 for ap-pointment to see space. 08/09-11

CarmiChael dental offiCe near madison & deWey. 1093 sf; 3 dental chairs, x-ray, more. great for new or established dentist. Call sue for more info or to see: (916) 638-3890. 08/09-11

sDDs cAlenDAr of events20 Member Forum HR Audio Conference Alternative Work Week,

Wage & Hour Issues Noon–1:00pm

CE Committee 6:00pm / SDDS Office

Membership Committee 6:00pm / SDDS Office

24 CDA Presents San Francisco, CA

27 Nugget Editorial Committee 6:15pm / SDDS Office

28 Ethics Committee 6:00pm / SDDS Office

YOu ASKED FOR THIS!Nugget Survey 2009

PRSRT STD

US POSTAGE

PAID

PERMIT NO. 557

SACRAMENTO, CA

915 28th StreetSacramento, CA 95816916.446.1211www.sdds.org

ADDRESS SERVICE REqUESTED

For more calendar info, visitwww.sdds.org15–

22–

9 Continuing Education Lasers & Minimally Invasive Dentistry Douglas Young, DDS, MS, MBA Sacramento Hilton — Arden West 2200 Harvard Street, Sacramento 8:30am–1:30pm

12 Foundation Board Meeting 6:00pm / SDDS Office

Dental Health Committee 6:30pm / SDDS Office

13 General Membership Meeting Treating Trauma Without Drama Kenneth Tittle, DDS, MS New Member Night Sacramento Hilton — Arden West 2200 Harvard Street, Sacramento 6:00pm Social 7:00pmDinner&Program

14 Forensics Committee 6:00pm / CA-EMA

17 Board of Directors Retreat Carmel, CA

aUGUsT5 Executive Committee Meeting 7:00am / Del Paso Country Club

6 CPR BLS Renewal Sutter General Hospital 8:30am–12:30pm

11 Peer Review Committee 6:30pm

19 Peer Review Chair Calibration 9:00am / CDA Office

sEpTEmbEr6 Board of Directors Meeting 6:00pm / SDDS Office

8 Peer Review Committee 6:30pm

FebruAry 9 & 10, 2012Sacramento Convention Center (1400 J St, Sacramento)

september 13, 2011:Treating Trauma Without Drama

eArn

2Ce units!

SEPTEMBER GENERAL MEMBERSHIP MEETING: neW MeMber night

6pm: Social & Table Clinics7pm: Dinner & Program

Sacramento Hilton, Arden West (2200 Harvard Street, Sac)

Presented by:kenneth tittle, dds, Ms

COuRSE OBJECTIVES:• Learn about the consequences of various injuries and their respective

prognoses both short and long term• Will have the information required to manage dental trauma with a systematic

approach that incorporates all fields of dentistry

Mardi GrasMidwinter

Documents

August / September 2011 Nugget